LEGAL & FINANCIAL MURCIA

Medical, surgical and hospital cover: Essential for expatriates Starting a new life in Spain means embracing new experiences, traditions and a different way of life. To fully enjoy this new stage, it is essential to feel protected. For this reason, having health insurance with medical, surgical and hospital cover.. 05/03/2026

Blacktower Financial: Celebrating 40 years of International Wealth ManagementHow economic change, expat growth and regulation have shaped modern financial planning across Spain Why 40 years matters   In financial planning, experience cannot be fast-tracked. As Blacktower marks its 40th anniversary in 2026, it is an.. 05/03/2026

5 essential estate planning considerations for British expats in Spain from Thy Will Be DoneThy Will Be Done breaks down the five things British expats in Spain really shouldn't overlook when it comes to protecting their family's future For British nationals living in Spain, having a solid estate plan in place is one of the most.. 04/03/2026

Cybersecurity as a Pillar of Economic StabilityCybersecurity has moved from an IT concern to a core economic priority. Modern economies run on data, digital payments, cloud infrastructure, and online marketplaces. When these systems face disruption, the effects ripple through businesses, consumers, and public..

The Shift From Manufacturing to Service-Based EconomiesFor much of the twentieth century, economic power centered on factories, assembly lines, and physical exports. Steel, automobiles, and consumer electronics defined national strength. Today, growth increasingly flows through services, digital platforms, and..

Why Cash Flow Matters More Than Total SavingsMoney stability often gets measured by a single number sitting in a savings account. That figure looks reassuring, yet it tells only part of the story. Cash flow shows how money moves through daily life, covering bills, subscriptions, and unexpected costs without..

How Financial Habits Form and How to Change ThemFinancial habits rarely appear overnight. They grow quietly through repetition, shaped by income timing, emotional triggers, and convenience. Small decisions like tapping a card for digital content or postponing bill reviews slowly become default behaviour. Over..

Start-to-finish, holistic support for foreigners moving to Spain from Gestoría Carvajal SolicitorsFrom buying a home to registering your car, you can get expert legal and administrative help when making the move to Spain in English, French and Dutch Relocating to Spain can be an exciting step, but it also involves a series of legal, administrative..

Do you have assets outside Spain? You may need to file modelo 720 before March 31LS Solicitors outline what Spanish tax residents need to know about declaring property, savings and investments abroad If you are resident in Spain and hold assets in another country, the Assets Abroad Declaration, also known as modelo or Form 720.. 24/02/2026

Spain's minimum wage keeps rising - so why aren’t most salaries keeping up?Experts say recent hikes mainly lift the lowest earners while average pay still lags behind Europe When Spain signed off the latest minimum wage rise to €1,221 a month earlier this week, it was sold as another boost for the country’s lowest.. 20/02/2026

Live with a senior relative? You could deduct up to €2,550 on your next Spanish tax returnUpdated allowance for dependent ascendants comes into focus ahead of the 2025-26 filing season With the 2025-26 Spanish income tax campaign now just a couple of months away, many households are beginning to look closely at what they can deduct before.. 18/02/2026

Compare Funerals now caring for families across EuropeFrom Spain to the Netherlands, the UK and beyond, their trusted plans travel with you wherever life leads Moving abroad can be one of life’s great adventures, whether it’s for work, retirement, or simply a change of scenery. But for British.. 17/02/2026

How to tackle the Non-lucrative Visa (NLV) application process and avoid common pitfallsFind out what to check before applying for the NLV so your documents don't get rejected For British people looking to live in Spain without working, the Non-lucrative Visa (NLV) is usually the main route to legal residency. It sounds simple.. 06/02/2026

Preventive medicine: Everything you need to know Health is not only about feeling well at a given moment, but also about knowing that we will feel well in the future. Self-care, healthy habits and medical check-ups are essential for preventing illness and improving people’s quality of life. &.. 03/02/2026

Arbitration in Spain: Heniam can get your dispute resolvedA faster, private route to resolve disputes without going to court When a dispute arises, court proceedings can be slow, public and expensive. Arbitration offers an alternative: you and the other party agree to appoint an independent third party.. 21/01/2026

Heniam visa seminar coming to a location near you: Where would you like to see the next one held?Make your voice heard and tell Heniam where you want them to come and hold their next visa seminar, jam-packed with information all about visas in Spain In autumn 2025, Heniam & Associates ran a visa seminar at Murcia’s famous La Manga Club.. 16/01/2026

Why trusting the doctor is essential for health Medical professionals are indispensable figures in society, as they improve people’s quality of life. They do not only treat illnesses, but also listen to their patients, accompany them and provide support throughout all stages of their lives.. 13/01/2026

Best Criminal Lawyer Murcia: Raúl Pardo-Geijo RuizA leading figure in criminal defence in Murcia and across Spain In the criminal defense landscape of Murcia and southeastern Spain in 2026, Raúl Pardo-Geijo Ruiz stands as the best criminal lawyer Murcia according to independent international.. 09/01/2026

Spanish Social Security begins 2024 contribution review for 3.3 million self-employed workersThe three-phase procedure will impact all autonomos in Spain who carried out work in 2024 The Treasury in Spain has this week started calculating self-employed workers' contributions for 2024, marking the beginning of a three-phase procedure that.. 09/01/2026

Make 2026 the year you finally sort your funeral plan and give your family peace of mindCompare Funerals can help expats living in Spain avoid leaving families with maze of foreign paperwork and huge unexpected costs January arrives with its familiar rituals. Out come the running shoes gathering dust since last February. The fridge gets.. 05/01/2026